Assessment of the Economic Results of the Digital Transformation of the Client-Centric System of Sberbank of Russia

Abstract

The article analyzes the transformation of banking services based on the concepts of Bank 1.0, Bank 2.0, Bank 3.0, Bank 4.0. This transformation is largely associated with the formation of client-centric ecosystems that actively use artificial intelligence. Banks offer their clients convenient digital services based on platform and cloud technologies. The scientific novelty of the research is associated with the author's approach to assessing the economic results of Bank digitalization based on the construction of models of correlation and regression analysis and the method of accumulated excess profitability. The stated methodological approaches are tested on the example of Sberbank of Russia. It is concluded that the results obtained prove the positive impact of digitalization on the company's economic results due to the growth of customers, expansion of financial and non-financial digital companies and their products in the group of companies, reduction of offices and employees who performed banking operations in the traditional business model of banks.